Pointbank
Major Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.9 and a capital leverage ratio of 9.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.4) profitability.
Asset Mix:
Securities (44%), comm re (21%), home mtgs (10%), comm loans (9%), cash (3%), consumer loans (3%), other (10%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Pilot Point Bancorp, Inc.
Investment Rating
--
Address
200 South Highway 377
Pilot Point, TX 76258
Pilot Point, TX 76258
Phone Number
(940) 686-7000
Year Founded
1884
FDIC Number
Website
Largest Affiliates
No affiliate information available.